Your Guide to the Reg F Model Validation Notice


ACA’s compliance team has created an easy-to-understand infographic breaking down the validation notice requirements. Editor’s note: This article is for members only.

11/12/2021 8:00

The model validation notice is probably common lingo around the Reg F water cooler by now, but it’s also one of the foundations of the Consumer Financial Protection Bureau’s debt collection rule taking effect Nov. 30—and ACA International has the resources to help you understand every piece of it.

Reg F requires collectors to provide consumers with information about certain rights via the validation notice, Compliance Analyst Betsy Clarke reports in the November/December issue of Collector magazine.

The article includes a review of some of the basics in the validation notice and drills into key requirements.

To further assist members, ACA’s compliance team also created a flowchart on completing the model validation notice during initial communications with a consumer and components that indicate the mini-Miranda disclosure, information about the consumer’s debt and consumer protections.

To read the complete report in Collector magazine, click here: Knowledge Check: Reg F and the Validation Notice.

For more information and video tutorials on Reg F, the ACA How: Reg F Implementation tool is available. You can go straight to the model validation notice infographic right here.

The tool will remain available for those who have purchased it as ACA transitions to the launch of our new website.

Some ACA services, including, could be unavailable for 4-48 hours starting at 6 p.m. Nov. 17.

Read ACA’s announcement to members about the new website for more information.

The next ACA Huddle, 11 a.m. CDT Nov. 17, will feature more information about Reg F in a discussion with Consumer Financial Protection Bureau staff and ACA Vice President and Senior Counsel of Federal Advocacy Leah Dempsey. Click here for more information on the ACA Huddle. Members can also complete a one-time registration for the ACA Huddle via Zoom, which will be able during the website launch. Click here to register for the ACA Huddle through Zoom.

To receive notifications about ACA content—including member alerts, upcoming events and new products—text ALERTS to 96997.

Interested in advertising on our brand-new website? Contact Tima Good at The YGS Group at (717) 430-2282 or [email protected].

This site uses cookies. By continuing to use our site, you are agreeing to our use of cookies. Review our Privacy Policy for more information. You may change your preferences on how cookies are stored by reviewing the settings on your browser.

The content on this site is presented for educational, general reference, and informational purposes only; is not intended to serve as legal or other advice; is not intended to be a full and exhaustive explanation of the law in any area; and should not replace the advice of your own legal counsel. By continuing to use our site, you are agreeing to the legal disclaimers in our Terms of Use. Review our Terms of Use for more information.

Friendly Reminder

Get continued access to ACA International’s wide array of resources, which can help you become more profitable, compliant and successful.

Renew your membership today to take advantage of tools you won’t find anywhere else:

  • Discounts on seminars, products, services and events
  • Resources to strengthen your compliance department
  • Industry-specific risk management products and services
  • Participation in ACA’s online community, The Hub
    Members-only website content
  • Professional development and training opportunities, and so much more!

If you have completed your renewal, please disregard this reminder.